OnePay IRA Bonus Terms and Conditions

This Promotion is offered solely through One Growth Securities LLC ("One Growth"), and not by any of One Growth's affiliates.

To participate in this Bonus (as defined below), a customer must directly receive from OnePay an email, push notification, or in-app message promoting the Bonus, and must open a OnePay IRA account in good standing (an "Eligible Customer") during the Bonus Period. Opening a OnePay deposit account is required before a customer can open a OnePay IRA account. Eligibility and any promotional rewards are non-transferable. Limit of one Bonus per Eligible Customer. 

Eligible Customers who make an initial cash contribution of at least $5.00 to their OnePay IRA account during the Bonus Period, that successfully settles and is not reversed, returned, or rejected (a "Qualifying Contribution"), will receive cash back equal to $5.00 in total (the "Bonus"). A Qualifying Contribution does not include any rollover, transfer, or conversion of assets from another retirement account or IRA. 

Cash back is provided in the form of OnePay Points, which can be redeemed into a OnePay deposit account or other available options subject to the OnePay Rewards Terms. The Bonus will be credited within 3 business days following the date your Qualifying Contribution settles. 

Other Information. 

The Bonus is paid entirely outside of, and independently from, your OnePay IRA Account. The Bonus is not credited to your OnePay IRA Account, does not constitute a contribution to your OnePay IRA Account for any purpose, and is not treated by OnePay as a return, dividend, interest, or other earnings on your OnePay IRA Account. You are solely responsible for determining your eligibility to make any contribution to your OnePay IRA Account, including having sufficient eligible compensation for the applicable tax year and remaining within the annual contribution limits that apply to you across all of your IRAs. OnePay does not verify your contribution eligibility and the availability of this Bonus does not constitute a representation that your contribution is a permitted or eligible contribution. This Bonus is available in connection with contributions to a Traditional IRA or a Roth IRA, as applicable, subject to the eligibility rules that apply to each.

Your OnePay IRA Account, governed by the OnePay IRA Account Agreement, must be open and in good standing at the time a Bonus is credited. If your account is closed or not in good standing at that time, the Bonus may be forfeited. 

This Bonus may be modified or canceled at any time, with or without notice. If it is determined that a customer has engaged in or plans to engage in abuse or gaming in connection with this Bonus, that customer will be prohibited from further participation, and OnePay reserves the right to take additional remedial action,which may include revocation of OnePay Points and recovery of cash back deposited into that customer’s OnePay Deposit account. OnePay may issue an IRS Form 1099-MISC, or other appropriate forms relating to the OnePay Points earned through this Bonus. 

The Bonus and any related information are provided solely for illustrative and educational purposes and do not constitute investment, tax, or legal advice, a solicitation to buy, an offer to sell, or a recommendation of any security or IRA contribution. Investment products are not FDIC insured, not bank guaranteed, and may lose value. All investing involves risk, including the risk of loss. OnePay does not provide tax, legal, or investment advice; consult your own advisor regarding your IRA contributions and this Bonus. Brokerage services by One Growth Securities LLC, member FINRA/SIPC. Clearing, custody, and IRA custodial services provided by DriveWealth, LLC.